What is the difference between Medicaid and ACA health plans?

Medicaid is income-based and state-administered, while ACA plans are available to a broader range of incomes via healthcare.gov. We help determine which option fits your situation.

Can I get dental insurance without health insurance?

Yes. You can purchase standalone dental insurance without needing a health plan. We offer affordable dental-only options.

Are there health plans for people with disabilities?

Yes. People with disabilities may qualify for Medicaid, Medicare, or Special Needs Plans. We help you find the best fit.

What is a grace period in health insurance?

A grace period is typically 30 days after a missed payment during which your coverage remains active. We help you stay compliant and avoid loss of coverage.

What happens if my income changes during the year?

If your income changes, your subsidy may also change. We help you report updates to avoid underpayment or overpayment issues.

Can I have health insurance and Medicaid at the same time?

Yes, Medicaid can sometimes be used as secondary insurance. We help evaluate and manage dual coverage situations.

How do I know if my doctor is in-network?

We check provider directories for each plan to confirm if your preferred doctor is in-network, helping you avoid higher out-of-pocket costs.

What are health insurance metal tiers?

Plans are categorized as Bronze, Silver, Gold, and Platinum. Bronze has the lowest premiums and highest costs, while Platinum has the highest premiums and lowest costs.

Do all plans cover emergency room visits?

Yes, all ACA-compliant plans cover emergency room care, even if the hospital is out-of-network.

How do I file a health insurance claim?

If your provider doesn’t file the claim, we guide you step-by-step through submitting it manually to your insurer.

Are telehealth visits covered?

Yes. Most modern plans include telehealth for primary care, urgent care, and mental health. We confirm which services are available with each plan.

Can I change plans after turning 65?

Yes. We help you transition from ACA plans to Medicare when you turn 65, ensuring you avoid late penalties and coverage gaps.

What are Special Needs Plans (SNPs)?

SNPs are Medicare Advantage plans designed for people with specific health conditions or financial needs. We check if you qualify.

Can I get a plan with no monthly premium?

Yes. Based on your income, you may qualify for $0 premium ACA plans or Medicaid. We check your eligibility and walk you through enrollment.

What is the coverage area for my plan?

Each plan has a geographic coverage area. We ensure your plan matches where you live and travel.

Are second opinions covered by health insurance?

Many plans cover second opinions, especially for surgeries or serious conditions. We help you confirm this with your insurer.

Do I need to reapply for coverage every year?

Most plans renew automatically, but we recommend reviewing annually during Open Enrollment to optimize benefits and costs.

How can I tell if a plan covers my prescriptions?

We help review formularies for each plan and confirm your medications are covered at the best available cost.

Do you offer plans for couples without children?

Yes. We help couples customize health plans that match their lifestyle, coverage needs, and budget.

FAQ 6 — Creative Health Solutions

Medicaid is a state-run, income-based health insurance program, while ACA plans are available to a wider range of incomes through healthcare.gov. We help you determine which you're eligible for.

Yes. We offer standalone dental insurance plans that don’t require a medical policy. You can purchase dental separately for routine and major procedures.

Yes. Individuals with disabilities may qualify for Medicare, Medicaid, or special needs plans. We help navigate eligibility and enrollment options.

A grace period is a time (usually 30 days) after a missed payment when you can still pay and keep your coverage active without cancellation.

If your income increases or decreases, it may affect your subsidy eligibility. We help update your information and avoid unexpected tax liabilities.

Yes, in some cases. Medicaid can act as secondary coverage, reducing your out-of-pocket costs if you already have another plan.

We check provider directories from each insurance company to confirm if your preferred doctor or specialist is in-network with a specific plan.

ACA plans come in four tiers:

Bronze (lowest premium, highest out-of-pocket)
Silver (best value for subsidies)
Gold (low out-of-pocket)
Platinum (highest premium, lowest out-of-pocket)

Yes, all ACA-compliant plans must cover emergency room care, regardless of network status. However, costs may vary.

Most providers handle this directly, but if you go out-of-network, we guide you through submitting claims manually to your insurer.

Yes. Most modern health plans now include telehealth services, including urgent care, primary care, and mental health support.

Yes. If you’re newly eligible for Medicare, we help you transition from ACA or private plans to the right Medicare coverage.

SNPs are Medicare Advantage plans for people with specific chronic conditions or disabilities. We’ll see if you qualify for one in Florida.

Yes. Based on income and household size, you may qualify for $0 premium plans through the ACA marketplace or Medicaid.

Most plans are region-based, meaning you're covered within a state or service area. We help you choose a plan that fits your travel or living situation.

Yes, many plans cover second medical opinions, especially for surgeries or serious diagnoses. We confirm your plan's policy on this.

While plans may automatically renew, we recommend reviewing your plan annually during Open Enrollment to check for better benefits or lower costs.

If your insurer withdraws your plan, you’ll receive a notice and qualify for a Special Enrollment Period. We help you find a replacement quickly.

We compare formulary lists and help ensure the medications you take are included in the plan you choose — especially for ongoing treatments.

Yes. We customize plans for married or domestic partners, including options with shared deductibles or bundled premiums.

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